Follow the dollars · Assumption only
A complete cash picture for Dec 10, 2026
Your down payment$27,707Cash toward the purchase price.
Closing costs + prepaids$11,248Not just lender fees.
Before credits & paid funds$38,955The complete starting cash picture.
Estimated remaining funds due at closing
$38,955No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$27,706.56
Your down payment$27,706.56
Closing costs + prepaids$11,248.02
Total buyer cash needed$38,954.58
Remaining funds due$38,954.58
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$2,699.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,855.25
Initial HOA (3 months)$33.75
Prepaid interest, first (22 days)$435.02
Fees + prepaids$11,248.02
Your down payment is the seller’s equity. You take over the $242,193 balance, so the rest of the $269,900 price is paid at closing. A second mortgage can cover part of it. $38,954.58 is due at closing. Uses and sources reconcile at $281,148.02 each. Not a Closing Disclosure.